Resources

Free tools to get started, and what comes with the Challenge.

Free

Online calculator

Your ClearNumber and monthly target in two minutes, with Nigeria defaults.

Open calculator

Free

Expense worksheet (CSV)

A blank six-category monthly expense sheet. Open it in Excel or Google Sheets, or print it, and fill it in before you calculate.

Download worksheet

Included with the Challenge

Excel template (v3)

The full workbook: calculator, summary, scenario what-ifs you can edit, a 12-month expense tracker and an income offset sheet. Unlocks on your Challenge access page after purchase.

Get the Challenge

Also included with the Challenge

  • Guided four-step flow with notes for each step
  • Digital certificate (PDF)
  • One 30-minute results review call with the lead consultant

Where the defaults come from

15% inflation reflects Nigeria’s long-run average (often higher recently). The 2.5% withdrawal rate follows Nigerian planning guidelines such as Piggyvest’s “Naija FIRE” framework (2–2.5%), in place of the US 4% rule. Read more.